indicate this is happening of course, there is still the aftermath from hurricane sandy. they are also saying people are not in a buying and shopping mood given the tragedy that we all witnessed not too long ago in connecticut. so that's one of the reasons they're predicting things are down. when you look at online retail, online retail continues to grow, but, again, not at the rate that people had thought. master card's puls service pulse service rate october 2th until the saturday we just passed roughly $48 billion. now, it sounds like a lot. but wall street was expecting 15% to 17% growth. and it's actually averaging about 8.4% growth. the good news is we are still in positive territory. the bad news is it's not what the analysts were expecting. >> jamie: adam shapiro, thanks. people may be buying fewer gifts this year. analysts say they are once again looking for stuff that's made in the good old u.s.a. even if it costs bit more. great idea.